Classification Limitation Endorsement
This endorsement can be found on many policies written for artisan contractors. This endorsement is designed to only cover the insured for operations specifically described in the description of hazards section. It is utilized so that the policy only covers the insured for their specific field of work. With this endorsement if a client lists themselves as a plumber, and that is the only class listed in the description of hazards, they would not be covered for work outside of this class. So if a plumber moonlights as an electrician and his policy only lists him as a plumber, he has no coverage for his work as an electrician.
Subcontractors Warranty
This endorsement is to make sure that if you utilize any subcontractor, you are not covered for their work unless you receive a certificate of insurance from that subcontractor. Their limit of insurance must be equal to or greater than your limit of liability insurance. The certificate must also list you as an additional insured on the subcontractors policy. But that requirement varies from carrier to carrier. You need to read the endorsement.
Prior Acts Exclusion
Simply stated, your policy will not cover you for any work that was completed prior to the inception date of your current policy.
Work in Progress Exclusion
Simply stated, your policy will not cover you for any work that was started and not completed prior to the inception date of your current policy.
General Contractors Exclusion
Excludes coverage when you act as a general contractor or directly supervisor for a project.
Condominium/Townhome/Tract Home Exclusion
Excludes any work arising out of your operations in conjunction with a condominium, town home, or tract home development. Some carriers have an absolute exclusion. Others only exclude coverage if you were the original contractor. So if you were coming in for repairs, you may be covered. Again one you really need to read.
Professional Service/Professional Liability Exclusion
You are not covered for providing or failure to provide a professional service. You need to read the policy for the definition of a professional service.
Railroad Exclusion
All general liability policies do not provide coverage for any work done within 50 feet of a railroad. If you do any work within 50 feet of a railroad you need a separate policy. Call your agent immediately.
Continuous and Progressive Damage Exclusion
This is a new exclusion to counter the Montrose type claims that are arising. This exclusion has not yet been tested in court, but it is implemented to avoid defending suits that occurred under other insurance policies.
Roofing Limitation
This form excludes damage resulting from wind, hail, snow, rain, ice or
- Contractor not taken prudent steps to determine any approaching adverse weather
- Contractor not providing a suitable temporary covering, able to withstand the normal elements. (To be put in place any time the contractor leaves the site)
Subsidence of Land
Subsidence is not covered under the liability policy. Subsidence is defined as landslide, mudflow, earth sinking, earth rising or shifting.
Explosion, Collapse and Underground Endorsement
This endorsement provides coverage for these perils which are excluded on the standard general liability policy.
©2006 Professional Insurance Associates, Inc. All rights reserved. PIA | 
